United Bank Conversion Guide

Welcome to
First Interstate Bank
CONVERSION GUIDE
First Interstate Bank Conversion Guide
Welcome to First Interstate Bank
Frequently Asked Questions
Your New Checking & Savings Accounts
Personal CDs & IRAs
Personal Online & Mobile Banking
Loans & Credit Cards
Additional Products & Services
Page 2
Pages 3 - 5
Pages 6 - 14
Page 15
Pages 16 - 18
Page 19
Pages 20 - 22
Our Commitment to Community
Page 23
Fee Schedule
Page 24
Locations
Pages 25 - 27
Welcome to First Interstate Bank
First Interstate Bank has been serving the financial needs of our customers for over 40 years. As a recognized leader in community banking
services, First Interstate is driven by strong family and corporate values, as well as a commitment to providing exemplary customer
service. We exceed expectations through our products and services, and support, with leadership and resources, the communities we serve.
IN THIS GUIDE
To help ease your transition from United Bank to First Interstate Bank, you will find important information in this guide regarding:
• Your new First Interstate Bank accounts in comparison to your United Bank accounts.
• Specific information on the conversion of CDs, loans, checking accounts, savings accounts, ATM cards, debit cards, and more. Refer to
the appropriate section to learn more.
• Terms and conditions of your accounts (detailed in the enclosed “Your Deposit Account” booklet).
• Additional products and services that are now available to you as part of the First Interstate family.
WHAT WILL HAPPEN TO YOUR ACCOUNTS
Your United Bank accounts will automatically be converted to First Interstate Bank accounts after the close of business on Friday, July 24,
2015 through Sunday, July 26, 2015. In most cases, this change will be automatic—you will not have to do anything. There are some
accounts and products for which you will receive additional materials in the mail. These mailings are identified in this guide so you may
anticipate their arrival.
WANT TO CHANGE YOUR ACCOUNT? NO PROBLEM!
If you have a United Bank checking and/or savings account, a First Interstate Bank checking and/or savings account with similar features
has been selected for you. If you would like a different checking and/or savings account than the one we pre-selected, you may change to an
account of your choosing starting Monday, July 27, 2015. Simply stop by any First Interstate Bank branch and we will assist you.
QUESTIONS?
If you have additional questions, please call our special customer service hotline at 1-888-833-3451, Monday – Friday from 7:30am to 6pm.
2
Frequently Asked Questions
I’M NOT FAMILIAR WITH FIRST INTERSTATE;
TELL ME MORE ABOUT THE COMPANY.
First Interstate is an $8.5 billion community
banking organization headquartered in Billings,
Montana. With 80 locations throughout
Montana, Wyoming, and South Dakota, we
have grown our business through a longterm, disciplined perspective that emphasizes
our commitment to providing high-quality
financial products and services as well as
delivering exceptional customer service. We
believe strongly in assisting our communities
through socially responsible leadership as well
as cultivating a strong and positive corporate
culture. We intend to remain a leader in our
markets by continuing to adhere to these core
principles and values that have contributed to
our growth and success.
DO I USE THE SAME CHECKS I HAVE NOW?
Yes, you may continue using your current
United Bank checks until December 31,
2015. After that date, your checks must have
First Interstate’s name and routing number
(092901683). Please feel free to contact any
First Interstate Bank branch and we will assist
you with your new check order. If you order
your checks through another vendor, you will
need to give them your updated information.
WILL I CONTINUE TO RECEIVE MY DEPOSIT
STATEMENTS AS USUAL?
You will receive a final deposit account
summary from United Bank for all
transactions through July 24, 2015. Within
the first 30 days after July 27, 2015 (in
accordance with your current statement
cycle), you will receive your first deposit
account statement from First Interstate Bank.
WILL MY ACCOUNT NUMBERS CHANGE?
Other than a few exceptions, account numbers
will not change. If your account is one in DOES FDIC INSURANCE STILL APPLY?
which the account number will change, you Yes, your deposits at First Interstate Bank
are FDIC insured to at least $250,000 per
will be notified in a separate mailing.
account holder ($250,000 per IRA plan).
3
WILL FEES AND SERVICE CHARGES CHANGE?
You may find that some fees and charges will
change, while others may stay the same. We
have highlighted how each account works
in the pages that follow. Please review the
enclosed “Your Deposit Account” booklet
as well as the Fee Schedule on page 24 for
important information concerning your
accounts.
WILL RATES ON MY CDS AND IRAS CHANGE?
You will continue to earn the interest rate
guaranteed on your CD and/or IRA when
you opened your account at United Bank, or
at its last renewal, for the remainder of the
account term. Upon maturity, CDs and IRAs
may be renewed at First Interstate Bank’s
current market rates in effect on that date,
unless otherwise notified.
WILL THIS TRANSITION AFFECT DIRECT
DEPOSITS (SUCH AS PENSION AND
SOCIAL SECURITY) INTO MY ACCOUNT?
Direct deposits and direct debits will continue
to post to your account(s). First Interstate
Bank will notify originators of the new routing
number. Government originators are quick to
revise this type of data. Unfortunately, others
do not always revise the information when
notified. If we cannot get the originator to
make the revisions we request, we may ask
you to contact those parties.
both foreign and domestic wires from your
First Interstate account. To receive incoming
domestic wires, please provide the sender
your account number, the name and physical
address as it is listed on your account, and
First Interstate Bank’s routing number
(092901683). It is important to provide
accurate and complete information in
order to ensure the transfer is processed.
First Interstate Bank does not accept wires
with pseudo or partial account numbers.
To receive international wires sent in U.S.
dollars, please provide the originator with the
following information:
WHAT ABOUT MY UNITED BANK VISA®
DEBIT CARD AND ATM CARD; CAN I STILL
USE THEM?
Yes, please continue to use your United
Bank VISA Debit and ATM cards through
midnight on Sunday, July 26, 2015. If you
have a United Bank VISA Debit and/or ATM
card, you will receive a new First Interstate
• Receiving Bank:
Bank MasterCard® Debit and/or ATM card
Bank of New York
on or before July 15, 2015. You will be able
1 Wall Street, 19th Floor
to start using your new First Interstate Bank
New York City, NY 10286
cards on Monday, July 27, 2015. At that time,
SWIFT CODE: IRVTUS3N
we suggest you immediately destroy your old
ABA: 021000018
United Bank VISA Debit and/or ATM cards.
• With further credit to Beneficiary Bank:
If you have pre-authorized charges tied to
Acct #8901029815
your United Bank VISA Debit card, you will
First Interstate Bank
need to inform all appropriate parties of your
401 N. 31st Street
new First Interstate Bank debit card number.
Billings, MT 59101
WILL I STILL BE ABLE TO SEND WIRES AFTER
THE CONVERSION TO FIRST INTERSTATE?
Yes, you will be able to send and receive
• Beneficiary:
Your Account Number
Your Name
Physical Address
If you need instructions for routing a wire
sent in foreign currency or would like to send
a wire, please visit your local First Interstate
Bank.
WHERE DO I SEND MY LOAN PAYMENTS
AFTER THE CONVERSION?
Beginning Monday, July 27, 2015, loan
payments can be made at any First Interstate
Bank branch or by mail. If you have a United
Bank payment booklet, continue to use those
payment coupons. Send your payment to:
First Interstate Bank
P.O. Box 31295
Billings, MT 59107-1295
CAN I STILL ACCESS MY ACCOUNTS BY PHONE?
Yes. Beginning Monday, July 27, 2015, you
can utilize First Interstate’s free 24-hour Day
& Night Telephone Banking service by calling
1-888-752-3341. If you currently utilize
Telephone Banking at United Bank, you will
be automatically enrolled in First Interstate’s
Day & Night Telephone Banking. Your
4
passcode to use First Interstate’s Telephone Dakota. A listing of these locations is included
Banking will be the same passcode you used on pages 25-27 of this conversion guide. For
to access United Bank’s Telephone Banking. a complete listing of ATM locations, branch
locations, and hours, please visit our website,
I CURRENTLY BANK ONLINE WITH UNITED firstinterstate.com.
BANK. DO I HAVE TO CHANGE ANYTHING TO
CONTINUE THIS SERVICE?
I HAVE A SAFE DEPOSIT BOX AT UNITED
You will automatically be set up with a new BANK. WILL I HAVE TO CHANGE ANYTHING
online banking profile with First Interstate AS A RESULT OF THE CONVERSION?
Bank. For more information, please see the Nothing will change regarding your safe
Personal Online and Mobile Banking section deposit box as a result of the transition from
of this guide on page 16.
United Bank to First Interstate Bank. No
action on your part is required.
WILL I STILL BE ABLE TO ACCESS MY
UNITED BANK TRANSACTION HISTORY IN IF I STILL HAVE MORE QUESTIONS, IS
ONLINE BANKING?
THERE ANYONE I CAN TALK TO?
After Friday, July 24, 2015, United Bank Of course! Visit one of our local First Interstate
customers will not be able to access their branches, and one of our employees can assist
account history online. However, United you. You may also call our special customer
Bank online customers’ last 18 months of service hotline at 1-888-833-3451, Monday
account statements will be automatically – Friday, 7:30am to 6pm.
converted to their new First Interstate Bank
Personal Online Banking account and will be
available starting Monday, July 27, 2015.
WHEN WILL BRANCH OFFICES BE OPEN
AND WHAT ARE THEIR HOURS?
First Interstate Bank has 80 banking locations
throughout Montana, Wyoming, and South
5
Your New Checking & Savings Accounts
HOW WE SELECTED YOUR NEW CHECKING AND/OR SAVINGS ACCOUNT
For purposes of this conversion, we have selected a First Interstate Bank checking and/or savings account for you based on the similarity of
your current United Bank checking and/or savings account.
Personal Checking Accounts
United Bank Accounts
UB Free
UB Direct
UB Preferred
UB Advantage
UB Investor’s Choice
First Interstate Bank Accounts
Free Checking
Free Checking
Preferred Checking**
Preferred Checking*
Preferred Checking**
Personal Savings Accounts
Health Savings Account
UB Savings
UB Junior Savings
UB Christmas Club
UB Money Market
UB Partnership
Health Savings Account
Regular Savings
Regular Savings - Minor Account***
Christmas Club
Market Interest Savings
Market Interest Savings
*Customers 60 years of age and over will not be charged a maintenance fee.
**Customers will be placed in a no-service charge Preferred account.
***Customers in this account will be transferred to a Regular Savings account upon turning 18 years of age.
6
7
Homer Scott, Sr. forms two holding
companies - one for Wyoming banks
and one for Montana banks.
Franchise agreement with First
Interstate Bancorp of California
to use the First Interstate name in
Wyoming and Montana.
The Montana and Wyoming
holding companies merge.
Franchise agreement ends and
Homer Scott, Jr. secures the right to
sole use of the First Interstate name.
Expanded into South Dakota by
acquiring 18 banking offices pursuant
to the purchase of First Western Bank.
IPO, while the Scott Family remains
our principal stockholders.
First Interstate acquires
Mountain West Financial Corp.
First Interstate agrees to acquire
Absarokee Bancorporation, Inc.
First Interstate Bank is a publicly
traded company with over 80 branch
locations throughout Montana,
Wyoming, and South Dakota.
1893
Homer Scott, Sr. purchases the Bank
of Commerce in Sheridan, Wyoming.
Bank of Commerce opens in
Sheridan, Wyoming.
Business Checking Accounts
United Bank Accounts
UB Business
UB Business NOW
First Interstate Bank Accounts
Business Checking
Business Checking with Interest
Business Savings Accounts
Business Savings
Business Savings
If you would like a different checking and/or savings account than the one we pre-selected, you may change to an account of your choosing
starting Monday, July 27, 2015. Simply stop by any First Interstate branch and we will assist you. First Interstate Bank offers a wide range of
checking and savings account options, each with a variety of added benefits to make your life a little easier. You will find complete descriptions
of First Interstate’s checking and savings accounts—personal and business—on the following pages.
1968
1971
1984
1993
1996
2008
2010
2014
2015
Today
Personal
Minimum balance requirement
Monthly maintenance fee if
balance below minimum
MarketManager
Preferred Checking
Regular Checking
Free Checking
Earn interest while having access
to premium account benefits.
Full-service checking account
that earns interest with easy
access to funds.
Maintain a lower balance
with access to a full range
of account features.
Basic account for active
online customers who are
always on the go.
$50,000 in other combined
First Interstate deposits*
$1,500 in Preferred Checking or
$5,000 in other combined
First Interstate deposits*
$500
—
$25
$13 (waived for customers
60 years or older)
$9
—
—
—
—
Direct deposit (at least one per
month) or electronic statements
set up within 30 days of account
opening. If neither occurs,
a $5 monthly maintenance
fee is charged.
■
■
N/A
N/A
World Debit™ MasterCard®
with four free
non-First Interstate ATM
transactions per month
■
■
■
No charge for First Interstate
Day & Night Teller ATM use
■
■
■
■
No charge for First Interstate Day
& Night Telephone Banking
■
■
■
■
Unlimited check writing
■
■
■
■
Other requirements
Earns interest
Free Debit Card**
I-Bank Online Banking
■
■
■
■
I-Pay Online Bill Payment
■
■
■
$4.95/mo; first two months free
I-Statements Electronic
Statements
■
■
■
■
Account Alerts (basic)
■
■
■
■
*Limit of one account utilizing combined balance option
**Subject to approval
8
Personal
Preferred Checking
Regular Checking
Free Checking
Earn interest while having access
to premium account benefits.
Full-service checking account
that earns interest with easy
access to funds.
Maintain a lower balance
with access to a full range
of account features.
Basic account for active
online customers who are
always on the go.
Mobile Banking
■
■
■
■
Courtesy Overdraft
■
■
■
■
Overdraft Protection available**
■
■
■
$24/yr + transfer fees
Paper statements w/ images
■
■
■
$5/mo.
Earn points when a FirstRewards
World MasterCard** is opened at
the same time as checking account
5,000 points
3,000 points
2,000 points
—
Safe deposit box rental discount
($5)
■
■
■
—
Free checks (style chosen by
First Interstate) or $5 discount
on other styles
■
■
—
—
CD interest rate bonus
(0.10% for terms of 2+ years)
■
■
—
—
Gift cards
■
$3.95
$3.95
$3.95
Money orders
■
$4
$4
$4
Cashier’s checks
■
$5
$5
$5
Incoming wires
■
$10
$10
$10
Foreign currency exchange
■
$12
$12
$12
AdvanceLine annual fee**
■
$50
$50
$50
Mortgage loan origination
discount**
$250
—
—
—
Consumer loan discount **
(dealer-financed contracts ineligible)
0.5%
—
—
—
**Subject to approval
9
MarketManager
Business Checking
with Interest**
Basic Checking
with Interest**
Business
Checking
Basic Business
Checking
Community
Organization
High activity checking
account that
earns interest.
Earns interest; designed
for businesses with low to
moderate activity.
Full-service checking
account with an
earnings credit.
A great checking option for
businesses that maintain a
smaller balance.
An ideal account for
nonprofit organizations.
$5,000
$25,000
—
$300
—
Monthly maintenance fee
—
—
$9
—
—
Monthly service charge
if balance is below
minimum requirement
$10
$20
—
$9
—
■
■
—
—
—
Per check charge
$0.15
$0.25 after 50 checks/mo.
$0.15
$0.25 after 100 checks/mo.
$0.25 after 50 checks/mo.
Per deposit charge
$0.15
$0.15
Per electronic debit or credit
$0.10
—
—
—
—
—
—
Per Deposit Item Charge
(On First Interstate/Not on
First Interstate)
$0.07/$0.10
$0.25 after 50 deposit
items/mo.
$0.07/$0.10
$0.25 after 100 deposit
items/mo.
$0.25 after 50 deposit
items/mo.
Free Business Debit Card*
■
■
■
■
■
Business
Minimum balance
requirement
Earns interest (tiered rate)
$0.10
All Business Checking accounts require a $100 opening deposit.
*Subject to approval
**Interest rates are subject to change.
10
Regular Savings
Market Interest
Savings
Health Savings
Account**
Montana Medical
Savings
A good choice for
straightforward individual or
family savings with a lower
balance requirement.
Designed for customers who
maintain a higher account
balance and want to earn
interest.
Designed for people with
High Deductible Health Plans.
Similar to an IRA/401(k) for
medical expenses.
Reduce your Montana income
tax while saving for future
medical needs, gaining tax-saving
advantages while you do so.
Earns tiered money market rates*
—
■
■
—
Minimum Balance Requirement
$200
$1,000
$500
$200
$4.00/mo.
$11.00/mo.
$6.00/mo.
$4.00/mo.
6/mo.
6/mo.
Unlimited
6/mo.
$10.00 for each withdrawal
$10.00 for each withdrawal
—
$10.00 for each withdrawal
Personal Savings
Service charge if balance is
below minimum
Withdrawals per month
Fee if withdrawals exceed limit
+
With the exception of HSAs, all Savings Accounts listed have access to Online Banking, Online Bill Payment,
Account Access
Electronic Statements, Account Alerts (basic), Direct Connect, and Mobile Banking.
Business Savings
Earns Interest*
Minimum balance requirement
Business Savings Account
Perfect for businesses that maintain a lower monthly
balance but still want to earn interest.
■ (tiered rates)
■
$1,000
$200
Service charge if balance is below minimum
$11.00/mo.
$6.00/mo.
Deposit limit
25 items/mo.
25 items/mo.
$0.20 after limit
$0.20 after limit
Per deposit item
Withdrawals per month
Fee if withdrawals exceed limit
+
6/mo.
6/mo.
$10.00 for each withdrawal
$10.00 for each withdrawal
All Savings Accounts listed have access to I-Corp Online Banking, I-Payables Online Bill Payment,
I-Statements Electronic Statements, and Mobile Banking.
*All Savings accounts require a $100 opening deposit. Interest rates are subject to change. ** Free checks and free Debit Card
+
Fee will not apply to transactions made in person, at an ATM, or by mail.
Account Access
11
Market Interest Savings
A great opportunity for businesses to put their income
to work with tiered interest rates.
CHECKING AND SAVINGS ACCOUNT NUMBERS
Other than a few exceptions, your checking
and savings account numbers will not change.
If you have one of the few accounts that will
have an account number change, we will
notify you through a separate communication.
make the change, you may need to personally
contact them. If you have set up a payment
using a web-based bill payment program, you
will need to go into that program and enter
your new bank routing number (092901683)
and, if applicable, your new account number,
for any payments made after Friday, July 24,
2015.
ATM CARDS
If you have a...
United Bank
ATM Card
You will receive a...
First Interstate Bank
ATM Card
Your ATM card may be used free of charge at
any First Interstate Bank Day & Night Teller
machine.* In addition, your ATM card may
be used to purchase goods and services where
INTEREST BEARING CHECKING AND merchants utilize a Maestro® PIN pad. In
other words, if you are able to confidentially
SAVINGS ACCOUNTS
All First Interstate Bank interest bearing enter your PIN, you may use your ATM card
checking and savings accounts are variable for purchases.
rate accounts; rates may change at any time.
YOUR CHECKS AND CHECK ORDERS
You may continue using your United Bank
check supply until December 31, 2015.
After that date, your checks must have
First Interstate’s name and routing number
(092901683). Please feel free to contact any
First Interstate Bank branch and we will assist
you with your new check order. If you order
your checks through another vendor, you will WITHDRAWAL FEE ON SAVINGS
need to give them your updated information. There is an excessive withdrawal fee of $10
if withdrawals from your savings account
DIRECT DEPOSIT AND AUTOMATIC PAYMENTS exceed six (6) per month. This fee will not
If you currently have a direct deposit (e.g. apply to savings transactions made in person,
payroll, Social Security, government entities, at an ATM, or by mail.
etc.) deposited into your account, or an
automatic payment (e.g. insurance or loan OTHER IMPORTANT SERVICES AND FEES
payment) being paid out of your account, Please see page 24 of this guide for additional
this will continue. First Interstate Bank will services and fees associated with your new
send notice of the routing number change checking and/or savings accounts.
to originators. If the originator makes the
requested change, you will not need to do
anything. However, if the originator does not
You will receive your First Interstate Bank
ATM card on or before July 15, 2015. The
PIN for your First Interstate Bank ATM card
will be the same PIN that was associated with
your United Bank ATM card.
*Fees apply when the card is used at a non-First
Interstate Bank machine.
12
Your United Bank ATM card will no longer
work after midnight on Sunday, July 26, 2015.
You may begin using your First Interstate
Bank ATM card on Monday, July 27, 2015.
Your new First Interstate Bank ATM card will
become active upon your first use at a First
Interstate Bank ATM.
MasterCard Debit card(s) on or before July
15, 2015. Please note, the PIN for your new
First Interstate Bank MasterCard Debit card
will be the same PIN that was associated with
your United Bank VISA Debit card.
Your new First Interstate Bank MasterCard
Debit card must be activated before it can
be used. Please activate your new card
CONSUMER DEBIT CARDS
immediately; this will let us know your card
If you have a...
You will receive a...
has been safely delivered. Please begin using
First Interstate Bank
United Bank VISA®
your First Interstate Bank MasterCard
MasterCard®
Debit Card
Debit card on Monday, July 27, 2015. As
Debit Card
of midnight on Sunday, July 26, 2015, your
Like your current debit card, First Interstate United Bank VISA Debit card will no longer
Bank’s MasterCard Debit card works just like be active. If you have any pre-authorized
a check or ATM card. It is accepted at all charges tied to your United Bank VISA Debit
card, you will need to inform all appropriate
parties of your new First Interstate Bank
MasterCard Debit card number.
DEBIT card
Debit
13
ACTIVATING YOUR NEW CARD
To activate your card, please call 1-800-3422974. Beginning Monday, July 27, 2015, you
may also activate your card using your PIN
at a First Interstate Bank ATM or by visiting
your local First Interstate Bank branch.
MasterCard, Cirrus, and Maestro ATMs. You IMPORTANT DATES
will receive your new First Interstate Bank • On or Before July 15– activate your
new First Interstate Bank MasterCard Debit
card as soon as you receive it. If you have
not received your new First Interstate Bank
MasterCard Debit card by July 15, 2015,
please call 1-888-833-3451 for assistance.
• July 26 – continue to use your United Bank
VISA Debit card through Sunday, July 26,
2015, when your card is deactivated.
• July 27 – begin using your new First
Interstate Bank MasterCard Debit card and
immediately destroy your old United Bank
VISA Debit card.
DEBIT CARD BENEFITS
Your First Interstate Bank MasterCard Debit
card comes with special benefits—at no
charge to you! Please refer to the Guide to
Benefits that will come with your new debit
card for complete information about these
benefits.
• MasterCard® Zero Liability*
• MasterCard® Global ServiceTM
• MasterCard® Travel ServiceTM
• MasterCard® Airport ConciergeTM
• Extended Warranty Insurance*
• Price Protection*
• Satisfaction Guarantee*
• ID Theft Resolution Services
*Certain terms, conditions, and exclusions apply.
Review the Guide to Benefits for complete program
details.
BUSINESS DEBIT CARDS
If you have a...
You will receive a...
United Bank VISA®
Business Debit Card
First Interstate Bank
MasterCard®
Business Debit Card
Like your current debit card, the First
Interstate Bank MasterCard Business Debit
card works just like a check or ATM card.
It is accepted at all MasterCard, Cirrus, and
Maestro ATMs.
business debit
Debit
Your new First Interstate Bank MasterCard
Business Debit card must be activated before
it can be used. Please activate your new card
immediately; this will let us know your card
has been safely delivered. Please begin using
your First Interstate Bank Debit card on
Monday, July 27, 2015. As of midnight on
Sunday, July 26, 2015, your United Bank
VISA Business Debit card will no longer be
active. If you have any pre-authorized charges
tied to your United Bank VISA Business Debit
card, you will need to inform all appropriate
parties of your new First Interstate Bank
MasterCard Business Debit card number.
ACTIVATING YOUR NEW CARD
To activate your card, please call 1-800-3422974. Beginning Monday, July 27, 2015, you
may also activate your card using your PIN
at a First Interstate Bank ATM or by visiting
your local First Interstate Bank branch.
for assistance.
• July 26 – continue to use your United Bank
VISA Business Debit card through
Sunday, July 26, 2015, when your card is
deactivated.
• July 27 – begin using your new First
Interstate Bank MasterCard Business Debit
card and immediately destroy your old
United Bank VISA Business Debit card.
BUSINESS DEBIT CARD BENEFITS
Your First Interstate MasterCard Business
Debit card features benefits specifically
tailored to business needs.
• MasterCard® Zero Liability*
• MasterRental® Insurance
• Purchase Assurance®
• MasterAssist® Travel Assistance Services
o MasterLegal® Referral Service
o MasterTrip® Travel Assistance
o Travel Services Medical Assistance
o Master RoadAssist®
• MasterTrip®
• MasterLegal®
• VAT Reclaim Service
• MasterCoverage®
• ID Theft Resolution Services
You will receive your new First Interstate
Bank MasterCard Business Debit card on or IMPORTANT DATES
before July 15, 2015. Please note, the PIN for • On or Before July 15 – activate your new
First Interstate Bank MasterCard Business
your new First Interstate Bank MasterCard
Debit card as soon as you receive it. If you
Business Debit card will be the same PIN that
have not received your new First Interstate
was associated with your United Bank VISA
Bank MasterCard Business Debit card by *Certain terms, conditions, and exclusions apply.
Business Debit card.
July 15, 2015, please call 1-888-833-3451 Review the Guide to Benefits for complete program
details.
14
Personal CDs & IRAs
CERTIFICATES OF DEPOSIT (CD)
Your United Bank CD will not change prior
to its maturity. Approximately 20 days prior
to your CD’s maturity date, you will receive a
renewal notice informing you of changes that
will occur at your CD’s renewal. It is important
that you retain your original United Bank
statement(s) along with your First Interstate
Bank mailing and this conversion guide for
your records.
INDIVIDUAL RETIREMENT ACCOUNT (IRA)
Your IRA will automatically be transferred to
First Interstate Bank. Each IRA will maintain
its maturity date, and your existing rate
will be maintained until the IRA’s renewal
date. Your IRA’s renewal notice will include
additional information and disclosures. There
is no annual fee on your First Interstate Bank
IRA.
You will receive annual account statements
First Interstate Bank offers CDs from seven itemizing all activity on your account within
days to five years. For more information or for the past year. On Monday, July 27, 2015, First
rates, stop by any First Interstate Bank branch. Interstate Bank will assume Custodial/Trustee
Visit firstinterstate.com for special online rates. responsibilities for your IRA account(s).
You should keep all of your United Bank
statements and this conversion guide for your
records.
15
Personal Online & Mobile Banking
PERSONAL ONLINE BANKING
If you currently use personal online banking
with United Bank, you will be set up with a
new online profile within First Interstate’s
I-Bank Personal Online Banking, which can
be accessed from firstinterstate.com.
With First Interstate’s Personal Online Banking,
you will be able to view account balance(s)
and transactions, transfer funds between First
Interstate Bank accounts (excluding mortgage
accounts, IRAs, and HSAs), pay bills, place
stop payments, and re-order checks. You can
also enroll for electronic statements, mobile
banking, and account alerts.
select a security image and pass phrase, as well
as select and answer three security challenge
questions. If you currently receive an electronic
checking or savings account statement from
United Bank, you will continue to receive your
statement electronically.
months, the cost for this service is $4.95 per
month, and 40¢ per payment in excess of 20
payments. All other checking accounts receive
this service for free.
PERSONAL MOBILE BANKING
If you currently use personal mobile banking
with United Bank, you will need to re-enroll
for First Interstate’s Personal Mobile Banking.
You do this through First Interstate’s Personal
Online Banking via the Mobile Banking &
Alerts tab. First Interstate is proud to offer
mobile apps, mobile web, and text banking.
If you are already a First Interstate Bank
customer using online banking, your online
banking information from United Bank will
convert into a new online banking account,
not into your existing First Interstate Bank
Personal Online Banking account. This means
you will temporarily have two logins for online
banking at First Interstate. Our bankers will If you currently use personal account alerts
work to combine these two logins for your with United Bank, you will need to re-enroll
When you login to your new online profile for convenience after Monday, July 27, 2015.
for First Interstate’s Personal Account Alerts
the first time after Monday, July 27, 2015, your
through First Interstate’s Personal Online
Access ID will be your current United Bank PERSONAL ONLINE BILL PAYMENT
Banking via the Mobile Banking & Alerts
online User ID. If your User ID is identified If you currently use personal online bill tab. From there, you can configure your alert
as an Access ID that already exists within First payment with United Bank, your bill payment settings.
Interstate’s Personal Online Banking, we will profile will be automatically converted to your
notify you through a separate communication. new First Interstate Bank personal online Please note the information on the following
Your password will be your current United bill payment profile. Please note that Free pages regarding Personal Online Banking. Read
Bank online banking password. During your Checking customers receive personal online the points carefully and be prepared to make
first online session, you will be prompted to bill payment free for two months. After two the recommended adjustments or changes.
16
• Online and Mobile Transaction History
United Bank online and mobile customers
will no longer have access to their United
Bank online and mobile transaction
history after Friday, July 24, 2015.
• Online Statement History
United Bank online customers’ last 18
months of account statements will be
automatically converted to their new First
Interstate Bank Personal Online Banking
account and will be available starting
Monday, July 27, 2015.
• Online Bill Payment History
United Bank online customers’ bill
payment history will be automatically
converted to their new First Interstate
Bank Personal Online Banking bill
payment account and will be available
starting Monday, July 27, 2015.
17
• Online and Mobile Recurring/Scheduled
Transfers
All current United Bank online and
mobile users who have recurring and/
or scheduled transfers will not be able
to establish any new scheduled transfers
after 4pm on Friday, July 24, 2015. No
changes will occur to existing recurring
and/or scheduled transfers; they will be
automatically converted to your First
Interstate Bank account.
• Online and Mobile Recurring /Scheduled
Bill Payments
United Bank customers who use online
and mobile bill payment with recurring
and/or scheduled payments will not
be able to establish any new scheduled
payments after 4pm on Friday, July 24,
2015. No changes will occur to existing
recurring or scheduled payments; they will
be automatically converted to your new
First Interstate Bank account.
• Online Bill Payment Payees
United Bank online customers’ bill
payment payees will be automatically
converted to their new First Interstate
Bank Personal Online Banking bill
payment account and will be available
starting Monday, July 27, 2015.
• Online Bill Payment eBills
United Bank online customers’ bill
payment eBills will be automatically
converted to their new First Interstate
Bank Personal Online Banking bill
payment account and will be available
starting Monday, July 27, 2015.
• Online Bill Payment Reminders
United Bank online customers’ bill
payment reminders will be automatically
converted to their new First Interstate
Bank Personal Online Banking bill
payment account and will be available
starting Monday, July 27, 2015.
• Popmoney (Person-to-Person Payments)
Effective Monday, July 27, 2015,
Popmoney will no longer be offered. All
payments scheduled to be paid after Friday,
July 24, 2015 will be cancelled and not
paid. We apologize for the inconvenience.
• Quicken® and QuickBooks® Customers
The ability to update your money
management software with your account
data and transactional history for your
current United Bank accounts and online
banking will cease on Friday, July 24, 2015.
It is important to have your account(s) upto-date prior to Friday, July 24, 2015 to
prevent losing access to this information.
Any information not updated prior to that
date will need to be keyed in manually.
ACCOUNT MAINTENANCE
If, after successfully logging into First
Interstate’s Personal Online Banking, you
recognize there are accounts missing, please
use the Secure Message feature, or call our
customer service hotline at 1-888-8333451, Monday – Friday, 7:30am to 6pm, for
assistance.
QUESTIONS
Any questions can be referred to First
Interstate Bank’s customer service hotline by
calling 1-888-833-3451, Monday – Friday,
7:30am to 6pm. When calling, please indicate
you are a previous United Bank customer.
18
Loans & Credit Cards
PERSONAL LOANS
For the purposes of this conversion, we are
pleased that First Interstate Bank has been
able to keep changes on loan accounts to a
minimum. For most customers, loan numbers
will not change. If your loan payment was
automatically deducted from a United Bank
deposit account, we have already accounted for
this change; there is nothing you need to do.
Customers who pay with a coupon book
will not be receiving a new payment book.
Continue to use your existing United Bank
payment coupons when making a loan
payment.
Beginning Monday, July 27, 2015, payments
must be made at any First Interstate Bank
branch or by mail to:
First Interstate Bank
P.O. Box 31295
Billings, MT 59107-1295
19
COMMERCIAL LOANS
Commercial loans will convert from United
Bank to First Interstate Bank per the terms
of the United Bank notes and security
agreements. In the coming weeks, current
United Bank commercial loan customers
will receive letters with more information
regarding their commercial loan.
CONSUMER CREDIT CARDS
If you have a United Bank VISA® credit card,
you can continue to use this card. Your credit
card is issued by TCM Bank, and there will
be no disruption in service as a result of the
transition to First Interstate Bank.
For inquiries related to your card, please
contact TCM Bank directly by calling 1-800883-0131. First Interstate Bank is not able
to assist with inquiries regarding your
United Bank VISA credit card.
Additional Products & Services
BOBCAT & GRIZ BANKING
Premium Benefits:
Show your pride for the Montana State • Mortgage Loan origination
University Bobcats or the University of
fee discount of $250.00
Montana Grizzlies by signing up for Bobcat • Consumer Auto Loan fee
Banking or Griz Banking, exclusively available
discount of $25.00
at First Interstate Bank.
• CD Bonus of .05% on any term
• Earn 1,500 bonus FirstRewards points†
What are Bobcat and Griz Banking? They’re
upon approval of a FirstRewards World
special programs that let you keep the checking
MasterCard®* within the first 30 days of
account you have with First Interstate Bank,
joining Bobcat or Griz Banking
but upgrade your debit card and checks to • Bobcat Banking members only: 10%
exclusive designs featuring the famous Bobcat
discount** at all Universal Athletic
or Griz logos. In addition, you receive special
locations throughout the year, including
amenities only available to Bobcat and Griz
a game-day discount of 25% on Bobcat
Banking members.
apparel** (Montana stores only). Simply
show and use your Bobcat Banking Debit
Features:
card or checks to receive this discount.
• Keep all the elements of your current First
• Griz Banking members only: 10% discount
Interstate Bank checking account
on all University Bookstore purchases**
• Upgrade to an exclusive Bobcat Banking
with 25% off on game days** (in-store
or Griz Banking Debit card, available only
only). Simply show and use your Griz
at First Interstate Bank
Banking Debit card or checks to receive
• Upgrade to exclusive Bobcat or Griz
this discount.
Banking checks and receive a $5.00
• Free ticket giveaways to football and
discount on each check order through First
basketball games
Interstate Bank
• Free tailgate parties
GRIZ BANKING
DEBIT CARD
TM
Debit
bobc
at ba
nking
DEbIt
card
Debit
• Exclusive field access
• Invitations to other special gatherings and
promotions, exclusively for Bobcat and
Griz Banking members
*Subject to approval
†FirstRewards points given one-time only. Points will be
credited to your account within four to six weeks.
**Some exclusions may apply. See store for details.
Fees & Information:
• Annual fee of $15.00 (which will be
automatically deducted from the checking
account tied to your Bobcat or Griz
Banking membership) is paid at the time
of enrollment and then annually on your
enrollment anniversary (fee applies to
each enrolling party).
20
CASH MANAGEMENT SERVICES
Businesses use cash management to increase
the amount of funds available for investment
and to make operations more efficient. As a
First Interstate customer, you now have access
to the following Cash Management Solutions:
Remote Deposit: Merchant Capture
Reduce the time and cost associated with
handling paper checks by making deposits
electronically with our Remote Deposit
service. First Interstate Bank will provide your
business with a scanner and software that gives
you the freedom to scan and electronically
I-Corp: Business Online Banking
deposit check payments directly into your
For businesses small and large, we recommend First Interstate account via the Internet.
I-Corp, our online business banking suite.
I-Corp offers all the features you need to This electronic check depositing service
conveniently manage your business online.
removes paper from the check clearing
process, which lowers the cost of payment
I-Payables: Business Bill Payment
processing, accelerates check clearing and
I-Payables is an online bill payment service funds availability, and maximizes cash flow
available to business customers using for your business.
I-Corp, our online business banking suite.
I-Payables offers the flexibility of paying bills Lockbox: Remittance Processing
electronically, which can help make managing Lockbox is designed to accelerate the
your business easier.
receipt and deposit of check and credit card
payments sent through the mail. This cash
Positive Payee: Account Protection
flow improvement solution collects customer
Companies who are committed to controlling payments at a centralized post office box
fraud losses and are concerned about close instead of at your business address, reducing
management of the reconcilement process the hassles, fraud risks, and delays associated
should take advantage of First Interstate with mail delivery and in-house processing.
Bank’s Positive Payee Service, which helps
protect your accounts from check fraud.
Payment processing is done by First Interstate
Bank, helping ensure your mailed payments
21
are quickly received and directly deposited
into your bank account.
Merchant Services: Credit Card Processing
First Interstate Bank, in alliance with First
Data, offers business payment processing
solutions tailored to help your business
succeed. Whether you need payment
solutions for in-person or online transactions,
integrated terminals, electronic check
acceptance, or gift cards, First Interstate Bank
and First Data work together to make your
transactions easier, faster, and smarter. Then
you can focus on what you do best – serving
your customers and growing your business.
For more information on these services,
please visit firstinterstate.com.
WEALTH MANAGEMENT
At First Interstate Wealth Management, we
have the expertise to assist you with not only
expected issues, but the unexpected as well.
We take the time to work comprehensively
with our clients, giving you security and
peace of mind. We’re proud to serve a wide
variety of clients with diverse needs. So
no matter what stage of life you’re in, our
knowledgeable Wealth Advisors are ready to
provide guidance.
We are proud to serve:
• Individuals
• Business Owners
• Corporate Executives
• Foundations
• Non-Profit Organizations
• Municipalities
INVESTMENT SERVICES
At First Interstate Investment Services, we
take pride in helping you set and pursue
your financial goals. Together with Cetera
Investment Services, we can meet all of your
investment and financial needs under one
roof. You can even transfer money directly
between your investment accounts and your
First Interstate Bank checking or savings
accounts!
First Interstate Investment Services provides
the products and services of a full-service
investment firm with personal attention you
can appreciate.
• Financial Needs Analysis
• Stocks
• Bonds
• Mutual Funds
• Annuities
• IRA and 401k Accounts
• Life Insurance
Securities and insurance products are offered by, and
representatives are registered with Cetera Investment
Services LLC, Member FINRA/SIPC. Advisory services
are offered through Cetera Investment Advisers LLC.
Neither firm is affiliated with First Interstate Bank or
its related companies. View Cetera Investment Services’
privacy policy and other important information. OSJ:
25 E. Lyndale Ave., Helena, Montana 59601.
Securities and insurance products are: * Not FDIC
insured * May lose value * Not guaranteed by First
Interstate Bank * Not a deposit * Not insured by any
federal government agency. Investment Executives are
registered to conduct securities business and licensed to
conduct insurance business in limited states. Response
to, or contact with residents of other states will only
be made upon compliance with applicable licensing
and registration requirements. The information in this
conversion guide is for U.S. residents only and does not
constitute an offer to sell, or a solicitation of an offer
to purchase brokerage services to persons outside of the
United States.
22
Our Commitment to Community
As the charitable affiliate of First Interstate
BancSystem, Inc., the First Interstate
BancSystem Foundation is funded by and
works closely with the bank. The Foundation’s
mission is to assist the First Interstate Bank
family in being the premier corporate citizen
in the communities we serve. This year, we
celebrate the Foundation’s 25th anniversary.
Since its inception, the Foundation has given
over $20 million in financial support to
organizations throughout our footprint. In
addition, we’ve fostered several programs and
gift matching opportunities for our employees
to help us build on this ethic of giving.
GRANTING PROGRAM
The Foundation provides funding in two
main areas: Community Development and
Leadership. Community Development Grants
are awarded to nonprofit organizations that
provide services to low and moderate income
individuals (LMI) and communities across our
territory. Leadership Grants give First Interstate
employees the opportunity to be community
stewards. The Foundation relies on branch
leadership to recommend funding based on the
23
needs of their respective communities. From
there, the branch and the Foundation grant
dollars to community projects and activities.
FINANCIAL EDUCATION
We believe education evolves into
responsibility. Working with our branches,
we participate in and host financial education
activities, from saving and budgeting to
understanding credit and fraud prevention.
We are committed to providing life-long Matching Program works in much the same
financial education for people of all ages and way. The Foundation matches employee
volunteer efforts at a rate of $10 for every
incomes in the communities we serve.
hour donated (with a 20 hour minimum).
EMPLOYEE MATCHING
The Employee Matching Program enables First Interstate is, has been, and always will
the Foundation to match employees’ personal be a values-based, family company. These
contributions of time and money to qualified values are the foundation for the relationships
public charities. The Gift Matching program we have with our customers, employees,
matches the gifts given by First Interstate Bank shareholders, and the communities we
employees dollar-for-dollar. Any employee— serve. For us, it’s bigger than banking; it’s
from a teller to a Vice President—who makes about making a difference. We are excited to
a donation to a nonprofit that benefits our welcome you into the First Interstate family.
communities can have their contribution We hope you take as much pride in First
matched by the Foundation. For employees Interstate Bank’s commitment to community
who prefer to donate time, our Volunteer as we do.
Fee Schedule
Stop payment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29
I-Bank or telephone banking stop payment.. . . . . . . . . $17
• Pre-authorized payment cancellation. . . . . . . . . . . . . . . . . $29
• Return check/NSF. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29
• Overdraft paid. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29
• Continuous overdraft. . . . . . . . . . . . $35 after 4th consecutive
business day overdrawn
•
(Prime + 4% on negative available balances on business analysis
accounts)
Cashier’s check. . . . . . . . . . . $5 customer, $10 non-customer
Money order. . . . . . . . . . . . . . . $4 customer, $6 non-customer
• Gift Card. . . . . . . . . . . . $3.95 customer, $6.95 non-customer
• Travel Card. . . . . . . . . . $6.95 customer, $9.95 non-customer
• Closed account fee
Checking and savings accounts open less than 90 days. . $10
• Incoming wire transfer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
• Outgoing wire transfer (First Interstate customers only)
American. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
Foreign. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $45
• Collections
Incoming & outgoing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
Coupon collection. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
Oil & gas, envelope draft.. . . . . . . . . . . . . . . . . . . . . . . . . . . $35
• Duplicate paper statement fee. . . . . . . . . . . . . . . . . . . . . . . . . $5
• Statement special handling. . . . . . . . . . . . . . . . . . . . . . . . . . . $25
• Returned deposited item.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $4
• Re-deposit fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1
• Buy-back fee.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $3
• Manual item processing fee.. . . . . . . . . . . . . . . . . . . . . . . . . . . $1
• Overdraft protection
Account transfer or Balance Plus fee. . . . . . . . . . . . . . . . . $5
Credit card transfer fee.. . . . . . $10 up to $50; $19 over $50
• AdvanceLine annual fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
• Bobcat/Griz Banking annual fee.. . . . . . . $15/enrolling party
• ATM Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• First Interstate Debit Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• First Interstate Business Debit Card. . . . . . . . . . . . . . . . . . . Free
• ATM Card/Debit Card replacement fee.. . . . . . . . . . . . . . . . . $5
•
•
ATM transactions made at ATMs other than
First Interstate Bank Day & Night Teller ATMs. . . . . . . . . $2
• ATM Mini-Statement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1
• Mobile Check Deposit fee.. . . . . . . . . . . . . . . . . . . . . . . . $1/item
• I-Pay. . . . . . . . . . $4.95/month; 40¢/payment in excess of 20
• I-Bank. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• I-Statements.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• I-Payables. . . . . $9.95/month; 50¢/payment in excess of 20
• I-Corp Premium.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/month
• I-Corp Classic.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $9.95/month
• I-Corp Basic. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• Treasury bill purchase. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
• Garnishment/levy. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $75
• Night Depository lock bags. . . . . . . . . . . . . . . . . . . . . . . $25/bag
• Coin counting/rolling (rollings $2.50 minimum).. . . . . . . . 1%
• Rolled coin purchase. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10¢/roll
• Check cashing for non-customer. . . . . $ 10 for checks over $100
• Foreign currency handling
Customer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $12
Non-customer.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
• Foreign drafts
Customer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $12
Non-customer.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
• Foreign item return fee. . . . . . $18 + correspondent bank fee
• Dormant account fee.. . . . . . . . . . . . . . . . . . . . . . . . . . $10/month
• IRA transfer fee (to another financial institution).. . . . . . . . $25
• IRA direct rollover fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
• HSA transfer fee (to another financial institution). . . . . . . $25
• HSA mistaken distribution correction . . . . . . . . . . . . . . . . . $15
• Checkbook reconciliation ($25 minimum). . . . . . . . $25/hour
• Research: Imaged check. . . . . . . . . . . . . . . . . . . . . . . . . $1/check
• Research: Imaged statement. . . . . . . . . . . . . . . . . $5/statement
• Research time . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/hour
• Counter check . . . . . . . . . .first 10 free; 25¢/check thereafter
• Charged-off checking account . . . . . . . . . . . . . . . . . . . . . . . . $ 5 0
• Subpoena fees:
Statement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
Miscellaneous items (per page).. . . . . . . . . . . . . . . . . . . . . . $1
•
Labor. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/hour
Shipping & handling.. . . . . . . . . . . . . . . . . . . . . . . . . . .actualcost
SAFE DEPOSIT BOXES
Check with your local First Interstate Bank office for size
availability and rental rates.
• Safe deposit box drilling.. . . . . . . . . . . . . . . . . . . . . . . . . . . $150
• Safe deposit box replacement key.. . . . . . . . . . . . . . . . . . . $20
• Safe deposit box late fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
CONSUMER LOAN FEES
•
•
•
•
•
Process request for substitution of collateral. . . . . . . . . $50
Process request for change in terms.. . . . . . . . . . . . . . . . . $50
Process request for payment extension. . . . . . . . . . . . . . . $50
Process request for name change on title.. . . . . . . . . . . . $25
Coupon book replacement fee. . . . . . . . . . . . . . . . . . . . . . . . $5
DEBIT CARD
All cards with no activity for 12 months or longer will
be cancelled. We will assess a fee of 0.9% of the
transaction amount of any debit card transaction
made in a country other than the United States. If the
transaction also involves a currency conversion, we
will assess an additional fee of 0.2%. Fees apply to the
transaction after it has been converted into U.S. dollars.
I-BANK & I-PAY
If you do not access your I-Pay or I-Bank account for six
months, it will be closed.
Services listed may not be available at all First Interstate Bank offices and fees
may vary between First Interstate offices. Other fees may apply to various
services listed.
Fees are subject to change.
______________________________________________
Effective date: August 18, 2015
24
Locations
MONTANA
ABSAROKEE*
3 S. Woodard Ave.
406-328-4742
BELGRADE
7001 Jackrabbit Ln.
406-388-0917
BIGFORK
8111 Montana Hwy. 35
406-837-7200
BILLINGS
401 N. 31st St.
406-255-5000
302 N. 31st St.
406-255-5292
730 Main St.
406-255-5800
2501 Central Ave.
406-255-6100
3199 Grand Ave.
406-255-6090
2850 Old Hardin Rd.
406-237-1800
830 Shiloh Crossing Blvd.
406-255-5858
25
BOZEMAN
202 W. Main
406-556-4900
2800 W. Main
406-586-4555
MSU-Bozeman
268 Strand Union Bldg.
406-586-0757
2023 Burke St.
406-556-1058
COLUMBUS*
36 N. 9th St.
406-322-4731
COLSTRIP
6210 Main St.
406-748-2840
EUREKA
508 Hwy. 93 N.
406-297-3116
GARDINER
903 Scott St. W.
406-848-7474
GREAT FALLS
2601 10th Ave. S.
406-454-6200
211 5th St. N.
406-454-6270
1401 Market Place Dr.
406-454-6300
12 3rd St. NW.
406-727-2265
HAMILTON
1501 N. 1st St.
406-375-6900
HARDIN
402 N. Center Ave.
406-665-3822
403 N. Cody Ave.
406-665-3822
HELENA
3401 N. Montana Ave.
406-457-7171
25 E. Lyndale Ave.
406-457-7151
2728 Colonial Dr.
406-443-4381
1135 Euclid Ave.
406-443-4100
2021 N. Montana Ave.
406-449-2265
Touchmark Retirement Comm.
915 Saddle Dr.
406-449-2265
KALISPELL
2 Main St.
406-756-5200
100 E. Cottonwood Dr.
406-758-7600
100 Hutton Ranch Rd.
406-756-5222
112 E. Montana St.
406-756-5200
LAME DEER
502 Cheyenne Ave.
406-477-8911
LAUREL*
401 SE. 4th St.
406-628-2200
LIVINGSTON
207 W. Callender
406-222-2950
MILES CITY
1115 Main St.
406-232-5590
MISSOULA
101 E. Front St.
406-523-4200
3502 Brooks
406-523-4200
*Currently a United Bank branch; will become a First Interstate Bank branch on Monday, July 27, 2015.
2500 N. Reserve
406-523-4200
Albertsons
3800 S. Russell
406-523-4200
POLSON
49573 US Hwy. 93
406-883-8800
RED LODGE
602 N. Broadway
406-446-1422
WHITEFISH
306 Spokane Ave.
406-863-8888
WYOMING
BUFFALO
40 E. Hart St.
307-684-2581
CASPER
104 S. Wolcott St.
307-235-4201
124 N. Wolcott St.
307-235-4201
521 SE Wyoming Blvd.
307-235-4384
CY Albertsons
1076 CY Ave.
307-235-4297
300 SW Wyoming Blvd.
Mills, WY
307-235-4448
CHEYENNE
401 W. 19th St.
307-633-8400
4612 Rue Terre
307-633-8476
GILLETTE
222 S. Gillette Ave.
307-682-5144
2201 S. Douglas
307-682-5144
JACKSON
842 W. Broadway
307-734-7373
Albertsons
105 Buffalo Way
307-732-7932
120 E. Broadway
307-732-7883
LANDER
8118 Hwy. 789
307-332-7500
LARAMIE
221 Ivinson St.
307-721-4600
1771 Snowy Range Rd.
307-721-4600
UW Student Union
E. Ivinson & S. 13th St.
307-721-4600
RIVERTON
323 E. Main
307-856-2211
SHERIDAN
4 S. Main
307-674-7411
1613 Coffeen Ave.
307-672-1501
24 S. Brooks
307-674-7411
SOUTH DAKOTA
BELLE FOURCHE
41 5th Ave.
605-892-2041
CUSTER
648 Mt. Rushmore Rd.
605-673-2215
40 N. 5th St.
605-673-2215
DEADWOOD
696 Main St.
605-578-1792
152 Sherman St.
605-722-4650
EDGEMONT
501 2nd Ave.
605-662-2265
HILL CITY
351 E. Main St.
605-574-2531
HOT SPRINGS
343 S. Chicago St.
605-745-6060
LEAD
145 Glendale Dr. Ste. 4
605-717-9340
NEW UNDERWOOD
404 S. A Ave.
605-754-6421
RAPID CITY
333 W. Blvd. Ste.100
605-348-3322
711 N. Creek Dr.
605-718-2265
SIOUX FALLS
4930 S. Western Ave. Ste.100
605-977-8500
SPEARFISH
311 N. 27th St.
605-717-0727
1400 North Ave.
605-642-2734
STURGIS
1200 Main St.
605-347-2562
WALL
418 Main St.
605-279-2141
26
WYOMING
• Laramie
Cheyenne •
• Eureka
MONTANA
• Whitefish
Kalispell •
• Bigfork
• Polson
• Missoula
• Hamilton
• Great
Falls
Absarokee
Columbus
Laurel
• Helena
Belgrade •
• Bozeman
• Livingston
Gardiner •
• Miles
• Colstrip
• Billings
• Lame
• Hardin
• Red
City
Deer
Lodge
• Sheridan
• Buffalo • Gillette
• Jackson
• R iverton
• Lander
WYOMING
27
Lead
Hill City
Custer
• Casper
• Laramie
Cheyenne •
Belle Fourche
Spearfish
Deadwood
Sturgis
New Underwood
Wall
Rapid City
Hot Springs
Edgemont
SOUTH DAKOTA
Sioux Falls •
IMPORTANT PHONE NUMBERS
Customer Support (Monday – Friday, 7:30am to 6pm): . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-888-833-3451
24 Hour Day & Night Telephone Banking: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-888-752-3341
I-Corp Business Online Banking Support (Monday – Friday, 7:30am to 5pm): . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-888-833-3450
After-Hours Debit/ATM Card Support: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-800-472-3272
Mortgage Servicing (Monday – Friday, 8am to 5pm): . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1-866-295-1339
28
Notes
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